The maximum amount of provident fund base is as follows:

1. Individuals usually pay the housing provident fund, so the maximum loan amount for using the provident fund is 500,000 yuan;

2. If the spouse housing provident fund is used at the same time to apply for provident fund loans, and the spouse housing provident fund is also paid normally, then the maximum amount is 700,000 yuan.

Units for housing provident fund deposit registration procedures are as follows:

1. Go to the fund management center of the local finance bureau for deposit registration, fill in the Registration Form for Housing Provident Fund Deposit, and the fund management center will review the applicant and designate the housing provident fund handling bank as required;

2. The registration of housing provident fund deposit shall be accompanied by relevant documents, a copy and photocopy of the business license of the enterprise, and the original and photocopy of the approval documents for the establishment of administrative institutions and other institutions; Original and photocopy of the legal person code certificate; Original and photocopy of the national tax registration certificate;

3. This form is in quadruplicate, and two copies of the registration form are kept after being audited by the Fund Management Center of the Municipal Housing Reform Commission; The unit shall send a copy of the designated provident fund to the bank, and set up the unit account and employee individual account of the housing provident fund with this form; After the establishment of the provident fund account, submit a deposit form and remittance slip of employee housing provident fund to the provident fund handling bank every month.

Legal basis: Article 13 of the Regulations on the Administration of Housing Provident Fund.

The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

Article 14

The newly established unit shall, within 30 days from the date of establishment, go to the housing provident fund management center for registration of housing provident fund deposit, and within 20 days from the date of registration, go through the formalities for the establishment of housing provident fund accounts for its employees.

Where a unit is merged, divided, revoked, dissolved or bankrupt, the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and handle the transfer or seal-up procedures for the employees of the unit within 20 days from the date of completing the change or cancellation of registration.

What is the maximum amount of personal loan for provident fund?

The relevant provisions of provident fund personal loans are as follows:

1, and the loan ceiling is raised to 1.2 million;

2. Purchase the first set of self-occupied housing, and adjust the maximum amount of personal loan from 300,000 yuan to 500,000 yuan;

3. The maximum amount of family loans is adjusted from 600,000 yuan to 6,543,800 yuan; ;

4. If the supplementary provident fund is paid, the maximum amount of personal loans will be increased by 6,543,800 yuan on the basis of 500,000 yuan, and the maximum amount of family loans will be increased by 200,000 yuan on the basis of 6,543,800 yuan;

5. The purchase of the improved second set of ordinary commodity housing shall be implemented with reference to the policy of purchasing the first set of housing. Purchase an improved second set of non-ordinary commodity housing, and the maximum loan amount of the provident fund will be adjusted accordingly.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Upper limit of provident fund loan

Legal analysis: 1. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 654.38+0 million.

2. The specific loanable amount is comprehensively determined according to the deposit of employee housing provident fund and the loanable amount standard of housing provident fund loans, the status and price of purchased housing, individual repayment ability and credit status.

3 workers housing provident fund loan amount is insufficient, you can apply for housing provident fund portfolio loans. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with provident fund loans.

4. The loanable amount of employee housing provident fund is calculated according to the average monthly balance of employee housing provident fund account when applying for housing provident fund loan, and the calculation result is rounded to the nearest thousand. If the calculation result is higher than 500,000 yuan, it shall be determined as 500,000 yuan, and if it is lower than 654.38 million yuan, it shall be determined as 654.38 million yuan. The average monthly balance of the employee housing provident fund account is the average monthly balance of the employee housing provident fund account for nearly 12 months (excluding one-time payment for nearly 12 months) when the employee applies for a loan. If it is less than 12 months, it shall be calculated according to the actual number of months.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

What is the maximum amount of housing provident fund loans?

The maximum amount of housing provident fund loans depends on the regulations of the local housing provident fund management center, and the regulations will be different in different regions. For example:

1. Changsha:

The personal loan rate of housing provident fund is 83.39%. When the personal loan rate is between 80% and 85%, the loanable amount of employees paid in Changsha is calculated according to 15 times of the sum of the balance of the housing provident fund accounts of both husband and wife, and the maximum loan amount is 600,000.

2. Shenzhen:

The loan amount of the provident fund is 14 times of the sum of the applicant and the calculated loanable amount and the sum of the balance of the applicant's housing provident fund account. Individuals applying for a single loan shall not exceed 500,000, and * * * and applicants * * * shall not exceed 900,000.

3. Shanghai:

Purchase of the first suite: 1 person participates in the loan, the loanable amount of housing provident fund is 500,000, and the loanable amount of supplementary provident fund is100,000, totaling 600,000; The loan amount of housing provident fund for two or more people participating in the loan is 1 million, and the loan amount of supplementary provident fund is 200,000, totaling 1.2 million.

Buy two houses: 1 person can borrow 400,000 housing provident fund, and the supplementary provident fund100,000, totaling 500,000; The loan amount of housing provident fund for two or more people participating in the loan is 800,000, and the loan amount of supplementary provident fund is 200,000, totaling1000,000.

What is the upper limit of provident fund loan?

1. What is the upper limit of Kunshan provident fund loan?

First loan: the maximum amount of family loan is 700,000 yuan; The maximum personal loan is 450,000 yuan. Second loan: the maximum amount of family loan is 500,000 yuan; The maximum personal loan is 300,000 yuan.

If the provident fund loan is used for the first time to purchase ordinary housing with a construction area of less than 90 square meters (inclusive), and the total housing price does not exceed 165438+ ten thousand yuan, the maximum loan amount is 80% of the total housing price.

Second, Kunshan provident fund loan conditions

1. Loan applicants and personnel involved in calculating the loanable amount. * * * The same loan applicant has paid the housing provident fund in full and on schedule for more than 6 months (inclusive) before the application date, and the individual housing provident fund account is in a normal payment state at the time of application;

2. No provident fund loan balance;

3. Apply for provident fund loans for the first time or for the second time;

4. Purchase newly-built ordinary houses within the scope of Suzhou City, and the purchased houses belong to real estate development enterprises, and the real estate filing procedures have been handled according to regulations;

5. The down payment for house purchase shall not be less than the specified proportion;

6. Be able to implement loan guarantee.